Side-by-side · Q2 2026 data
Monterey County Bank vs Pacific Valley Bank
Metric by metric
| Measure | Monterey County Bank | Pacific Valley Bank |
|---|---|---|
| TellerScore | 54 | 70 (stronger) |
| Capital cushion | 34 | 76 (stronger) |
| Loan quality | 92 | 92 |
| Earnings | 0 | 55 (stronger) |
| Funding & liquidity | 75 (stronger) | 26 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 10th | 43rd |
| Total assets | $300.4M | $653.3M |
| Deposits / shares | $232.6M | $570.5M |
| Capital ratio | 8.38% | 12.60% (stronger) |
| Problem loans | 0.24% | 0.24% (stronger) |
| Net charge-offs | 0.03% | -0.02% (stronger) |
| Return on assets | -0.96% | 0.87% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 94.5% |
| Uninsured deposits | 30.0% (stronger) | 50.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Valley Bank has the higher TellerScore (70 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 2 and Pacific Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.